Unlock Gold Rewards
& Get ₹1,000 Cash
Apply for the co-branded Uni GoldX Credit Card through GrowMe and receive a flat ₹1,000 cashback directly into your bank account on successful approval.
Final approval and eligibility are determined solely by the issuing bank.
Designed for how you spend
1% Unlimited Goldback
Get 1% value back on POS, online, offline, and UPI transactions (Scan & Pay). Earn Uni Coins that convert to 24K gold.
Zero Lifetime Fees
No joining charges, no annual renewal fees, and no hidden maintenance charges. Enjoy gold rewards completely free.
Zero Forex Markup
Travel and spend internationally without the heavy cross-currency markup fee. Enjoy a true 0% foreign transaction rate.
Get your card in three steps
Compare & Continue
Click "Check Eligibility & Continue" on our platform. GrowMe will securely route you to the card issuer's secure portal.
Complete Application
Fill out the application form on the official card provider page. The issuing bank will review your profile instantly.
Get Your Card
Upon bank approval, your virtual card activates instantly, and your physical credit card is delivered directly to your doorstep.
Refer Friends & Earn ₹1,000 Cash
How does it work?
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1
Generate Your Link
Enter your mobile number in the status tracker below to create your custom short link.
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2
Share with Friends
Send your referral link (`r.growme.in`) to friends. They will see a standard card application page with no reward details mentioned.
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3
Receive ₹1,000 Cash
When your friend's credit card is successfully activated, you receive ₹1,000 cash directly into your bank account via UPI!
Start Earning Now
Go to your personal rewards dashboard to generate your link and check your wallet balance.
Generate Referral LinkFrequently Asked Questions
No, the Uni GoldX Credit Card is completely lifetime free. There are zero joining fees, zero annual renewal fees, and zero hidden maintenance charges.
Any resident Indian citizen aged 18 or above, who is either salaried or self-employed with a stable source of income and a healthy credit score, can apply for the card.
For every transaction you make, you earn Uni Coins (including 1% back on UPI scans). You can convert these Uni Coins directly into 24K digital gold inside the Uni App, which you can hold, sell, or redeem physically.
Yes! Once approved, you can activate a virtual RuPay variant of your Uni GoldX card. This allows you to link the card to any UPI app (like GPay, PhonePe, Paytm, or BHIM) and scan QR codes to pay merchants directly using credit.